Essays In Social Interactions And Financial Decision Making
DOWNLOAD
Download Essays In Social Interactions And Financial Decision Making PDF/ePub or read online books in Mobi eBooks. Click Download or Read Online button to get Essays In Social Interactions And Financial Decision Making book now. This website allows unlimited access to, at the time of writing, more than 1.5 million titles, including hundreds of thousands of titles in various foreign languages. If the content not found or just blank you must refresh this page
Essays In Social Interactions And Financial Decision Making
DOWNLOAD
Author : Christian Engels
language : en
Publisher:
Release Date : 2020
Essays In Social Interactions And Financial Decision Making written by Christian Engels and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2020 with categories.
Financial Literacy Motivated Reasoning And Gender
DOWNLOAD
Author : Thérèse Lind
language : en
Publisher: Linköping University Electronic Press
Release Date : 2019-05-16
Financial Literacy Motivated Reasoning And Gender written by Thérèse Lind and has been published by Linköping University Electronic Press this book supported file pdf, txt, epub, kindle and other format this book has been release on 2019-05-16 with categories.
I wrote this thesis to create a better understanding of how individual characteristics influence our feelings, our behavior and our way of interpreting information. My focus is on financial behavior and financial information, however I also consider a political context. I investigate the (usually) enabling abilities of financial literacy and numeracy. I also consider impediments such as stereotype threat and motivated reasoning, which can prevent people from engaging in certain behaviors or from interpreting information objectively. Both processes stem from valued beliefs and psychological foundations, consequently peoples’ efforts, decisions, and evaluations are based on them. The first essay, “Competence, confidence, and gender: The role of perceived and actual financial literacy in household finance,” broadens our understanding of the benefits of financial competence. I contrast perceived and actual levels of financial literacy, and consider the role of numeracy and cognitive reflective ability. I conclude that perceived and actual levels of financial literacy positively affect behavior and wellbeing; however, perceived financial literacy more so than actual financial literacy. No such effect is observed for numeric ability and cognitive reflection. Furthermore, women are more anxious about financial matters even though they tend to engage more frequently in the considered financial behaviors. The second essay, “Threatening finance? Examining the gender gap in financial literacy,” continues my exploration of the relationship between gender and financial literacy. In a series of studies, I investigate whether the observed gender gap in financial literacy can be identified in nonnumerical contexts, if it can be associated with confidence in financial matters, and if it can be attributed to stereotype threat, which posits that inbuilt prejudices about gender and finance undermine women’s performance of tasks that involve finance. The results show that the observed gender gap in financial literacy is robust even in nonnumerical financial contexts and suggest that a stereotype threat for women in the financial domain might be present. The gender gap in financial literacy could not be attributed to a difference in (displayed) confidence. In the third essay, “Preferences for lump-sum over divided payment structures,” I investigate whether or not people display systematic preferences for lump–sum or divided payment structures and how these preferences differ in gain (benefit) and loss (payment) situations. I investigate what happens when payments belong to a single underlying event, such as when people can choose to pay immediately or in installments. I also examine whether or not individual differences in time preferences, risk preferences, numeracy, and financial literacy are associated with preferences for one payment structure or the other. The aggregate results show a tendency for people to prefer obtaining and paying money in lump sums. I find no systematic indication that the considered individual differences play a role in this type of decision. The fourth essay, “Motivated reasoning when assessing the effect of refugee intake,” inquires into differences in worldview ideology, whether people identify as nationally or globally oriented, hinder them from objectively interpreting information. I use an experiment to find out if people display motivated reasoning when interpreting numerical information about the effects of refugees on the crime rate. Our results show evidence of motivated reasoning along the lines of worldview ideology. However, individuals with higher numeric ability were less likely to engage in motivated reasoning, leading to the conclusion that motivated reasoning is more likely to be driven by feelings and emotional cues than by deliberate analytical processes.
Essays On Financial Decision Making
DOWNLOAD
Author : Thomas Spycher
language : en
Publisher:
Release Date : 2019
Essays On Financial Decision Making written by Thomas Spycher and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2019 with categories.
This thesis contains four essays on financial decision making. The first two essays examine the influence of cultural group membership on the accumulation of financial literacy and on intertemporal choice. The chapters exploit the Swiss language border as a natural laboratory to study the influence of culture and document substantial differences in behavior based on a self-collected survey dataset of 15-year olds living along the language border in the canton of Fribourg. An analysis of underlying channels suggests that observed differences in financial literacy and intertemporal choice are rather related to systematic differences in social norms than to differences in time and risk preferences. The third essay investigates the influence of an extended cooling-off period for personal loans. A cooling-off period grants a borrower the right to withdraw from a signed credit contract. Cooling-off periods are a commonly used tool for consumer financial protection, but little empirical evidence exists on its use and how changes in its duration affect consumer behavior. Based on a large sample of loan offers in Switzerland, I document that cooling-off periods are rarely used. Less than 0.6\% of accepted loan offers are withdrawn by the borrower. The extension of the period from 7 to 14 days did not increase the propensity to make use of the right to withdraw but rather increased the cost of regulation as credit providers disburse loans only after the cooling-off period. The last essay examines how the numeracy level of employees is related to the quality of their on-the-job decisions. Employers place significant weight on the numerical skills of employees and the level of numeracy is associated with labor market outcomes. Based on an administrative dataset of a retail bank the study relates the performance of loan officers in a standardized math test to the accuracy of their credit assessments of small business borrowers. Results sug.
Essays On Individuals Decision Making And Engagement In Digital Platforms
DOWNLOAD
Author : Jiaying Deng
language : en
Publisher:
Release Date : 2022
Essays On Individuals Decision Making And Engagement In Digital Platforms written by Jiaying Deng and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2022 with categories.
Technology has brought about a lot of business innovations, such as fintech, sharing economy and entertainment analytics, which provides great opportunities of examining these innovations from different perspectives. My dissertation is motivated by the desire to gain a better understanding of the transformational effect of the digital innovations, with a specific focus on the individuals’ decision-making behavior. First, I focus on a mobile gaming platform. To ensure the success of mobile games, game publishers need to keep their players engaged and, at the same time, seek monetization strategies that do not interrupt players’ engagement. Reward ads, a relatively new and increasingly popular in-app advertising monetization model in which players can voluntarily watch an ad in exchange for a reward within the game, can help publishers generate revenue without breaking the flow of the game. In this essay, I investigate how competence-related intrinsic motivation factors including players' feeling of competence (measured by (a) perceived difficulty and (b) perceived achievement), (c) the fluctuation of perceived difficulty, and (d) reward ads (which can enhance players’ intrinsic motivation and interact with players' feeling of competence) affect players' dynamic engagement state evolution. I find that players’ engagement transition is a complex process - as players interact with the mobile game over time and progress through the game, players may be motivated to different intrinsic motivation factors. Therefore, intrinsic motivation factors should be treated as a dynamic process because one factor may be more or less effective as players move to different engagement levels. Second, I study a social trading platform which is a recent innovation in the field of fintech. Social trading is a novel form of investing that allows retail investors to observe the trading behavior of other investors and to communicate through the news feed. Moreover, social trading allow inexperience investors (followers) to automatically follow the trades of experts (leaders) in real time. In this essay, I examine the determinants of the link formation and link dissolution processes, with an emphasis on the social communications among investors. The results show that the determinants of link formation and dissolution are asymmetric, and different types of social communications, such as posts and comments, have different implications for link formation and dissolution. In addition, the results show that financial performance and demographic characteristics are also important determinants of link formation. However, once a link is formed, followers mainly focus on financial performance in addition to social communication but not on demographic characteristics. The findings have important implications for both investors and social trading platforms.
Essays On Investor Behavior And Financial Innovation
DOWNLOAD
Author : Tobias Stuber
language : en
Publisher: Herbert Utz Verlag
Release Date : 2011
Essays On Investor Behavior And Financial Innovation written by Tobias Stuber and has been published by Herbert Utz Verlag this book supported file pdf, txt, epub, kindle and other format this book has been release on 2011 with categories.
Three Essays On Empirical Finance
DOWNLOAD
Author : Tse-Chun Lin
language : en
Publisher: Rozenberg Publishers
Release Date : 2009
Three Essays On Empirical Finance written by Tse-Chun Lin and has been published by Rozenberg Publishers this book supported file pdf, txt, epub, kindle and other format this book has been release on 2009 with categories.
Essays In Economics Of The Family Social Interactions And Retirement Planning
DOWNLOAD
Author : Finagnon Antoine Dedewanou
language : en
Publisher:
Release Date : 2020
Essays In Economics Of The Family Social Interactions And Retirement Planning written by Finagnon Antoine Dedewanou and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2020 with categories.
Résumé en anglais
Essays On Social Interaction And Financial Behavior
DOWNLOAD
Author : Merve Büşra Altundere
language : en
Publisher:
Release Date : 2014
Essays On Social Interaction And Financial Behavior written by Merve Büşra Altundere and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2014 with categories.
Behavioral Aspects Of Financial Decision Making
DOWNLOAD
Author : Emanuela Trifan
language : en
Publisher:
Release Date : 2008
Behavioral Aspects Of Financial Decision Making written by Emanuela Trifan and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2008 with categories.
Industrial Organization Trade And Social Interaction
DOWNLOAD
Author : Gregory K. Dow
language : en
Publisher: University of Toronto Press
Release Date : 2010-01-01
Industrial Organization Trade And Social Interaction written by Gregory K. Dow and has been published by University of Toronto Press this book supported file pdf, txt, epub, kindle and other format this book has been release on 2010-01-01 with Social Science categories.
B. Curtis Eaton is one of Canada's leading microeconomists. As an applied economic theorist, Eaton has contributed greatly to industrial organization literature and has also worked in labour economics, economic geography, and organizational theory. The essays in this volume, by former students and present and former colleagues, call attention to the path-breaking work of Professor Eaton. The first two chapters provide a short overview of Eaton's research contributions and argue that his work laid the foundation for important research programs across the country. The remaining chapters, including an unpublished paper by Eaton himself, consist of original work that can be divided into the three broad categories of industrial organization and spatial competition, trade and productivity, and social interaction. Not only a collection of laudatory essays, Industrial Organization, Trade, and Social Interaction presents cutting edge research by leading scholars.